Farm Family P & L Officer

CompanyFarm FamilyFarm Family specializes in farm and ranch protection with a wide range of products including flexible farm packages, business owner policies, commercial package, workers compensation, commercial auto and select personal auto coverage. Farm Family is a leader in serving the Northeast and Mid-Atlantic markets and is pursuing growth across the U.S. The Farm Family entities are wholly-owned subsidiaries of Clearbrook Group Holdings Inc.Job DescriptionHead of Small Commercial (P&L Owner – Build & Scale)MissionOwn full financial and strategic performance of the Small Commercial business, balancing growth, underwriting profitability, and capital efficiency while building a scalable, market-leading franchise over time.This leader will initially operate as a matrixed business owner, shaping strategy and execution across underwriting, pricing, claims, and distribution—then design, justify, and stand up a dedicated operating model and team to accelerate performance.Role Evolution (Critical to Success)Phase 1: Diagnose, Align, and Shape (0–6 months)Objective: Establish control through influence; define the opportunity and roadmapOwn small commercial P&L visibility (baseline performance, segmentation, profitability drivers)Diagnose portfolio health:Segment profitability (class, size band, tenure, state, channel)Rate adequacyExpense evaluationClaims drivers (severity, litigation, leakage)Evaluate current capabilities:Underwriting (authority, consistency, referral patterns, talent quality)Pricing (rating plans, segmentation depth, data gaps)Distribution (producer mix, productivity, concentration, appetite clarity)Operations (cycle time, STP, scalability constraints)Identify structural gaps vs. best-in-class small commercial models (speed, simplicity, segmentation, digital enablement)Build and socialize Small Commercial Strategy & Operating Model Blueprint:Target segments and appetiteGo-to-market and channel strategyRequired pricing sophisticationUnderwriting model (rules vs. judgment)Technology and workflow needsBegin influencing:Appetite clarity and tightening/expansionEarly pricing or segmentation fixesDistribution focus adjustmentsKey Output: business case for investment and operating model evolutionPhase 2: Build & Prove (6–18 months)Objective: Stand up capabilities and demonstrate measurable improvementExecute approved investment roadmap:Talent (initial hires: product/portfolio, analytics, underwriting leadership as needed)Pricing/segmentation improvementsWorkflow/STP enhancementsBegin formalizing P&L ownership mechanisms:Portfolio steering cadenceRate adequacy governanceException and authority frameworksDeliver early wins:Improved loss ratio through segmentation/pricingIncreased quote-to-bind and retention where targetedReduced cycle times and referral frictionEstablish:Underwriting guidelines and authority aligned to small commercial speedProducer segmentation and targeted growth strategyClaims feedback loop for loss drivers and leakageStart building a dedicated small commercial identity internally and externallyKey Output: Demonstrated P&L momentum + validation of the modelPhase 3: Scale & Own (18+ months)Objective: Transition to full organizational ownership with reporting structureBuild and lead a dedicated Small Commercial organization, including:Product / Portfolio Management (fully or partially aligned to the vertical)Underwriting teams (fully or partially aligned to the vertical)Analytics / pricing partnership structureDedicated ops alignment (where scale warrants)Assume formal authority over underwriting execution for the segmentMature capabilities:Advanced segmentation / pricing sophisticationAutomated underwriting / STP expansionDigital distribution and platform strategyOptimize capital deployment:Reinsurance usageMix managementExpansion into adjacent segments or geographiesDeliver sustained outperformance vs. plan and marketKey Output: Fully scaled, profitable, and differentiated small commercial franchisePrimary ResponsibilitiesPortfolio & Financial PerformanceOwn Small Commercial P&L:GWP, Earned Premium, Loss Ratio, Expense Ratio, Combined RatioGrowth, retention, mix/segmentationSet and continuously refine appetite:By class, size (micro vs. small), industry, geography, channelDrive rate adequacy and pricing sophistication with actuarial:Ensure alignment to loss trend and target returnsActively manage:Concentration riskCat exposureLitigation-prone segmentsDefine and outperform annual business planOperations & ExperiencePartner with Ops/IT to build a fit-for-purpose small commercial engine:Straight-through processing (STP)Simplified workflowsPre-bind rules and controlsImprove:Cycle times and responsivenessData capture qualityMonitor:NPS / CSATReferral SLAsEase-of-doing-businessClaims & Risk Feedback LoopPartner closely with Claims to:Understand severity drivers and emerging trendsReduce leakage and improve outcomesEmbed claims insights into:PricingAppetiteUnderwriting rulesPeople & Organizational BuildPhase 1:Assess talent across underwriting, product, and analyticsPhase 2:Define hiring plan and capability requirementsJustify ROI of organizational build-outPhase 3:Lead Small Commercial team:Product / Portfolio LeadsUnderwriting leaders/teamsAnalytics (direct or aligned)Build a culture of:OwnershipData-driven decision-makingSpeed + disciplineDecision Rights (Evolving)Early (Matrix Authority)Influence appetite, pricing, and underwriting decisionsRecommend investment prioritiesDrive alignment across functionsMid (Shared Authority)Co-own appetite, pricing direction, and underwriting frameworksFormal role in governance committeesLate (Full P&L Authority)Final decision on:Appetite and segmentationProduct roadmapUnderwriting frameworkDirect control over dedicated small commercial resourcesSalary range: $269,178 - $389,000PLEASE NOTE: Applicants must be legally authorized to work in the United States. At this time, we are not able to sponsor or assume sponsorship of employment visas.If you have a disability under the Americans with Disabilities Act or similar state or local law and you wish to discuss potential reasonable accommodations related to applying for employment with us, please contact our Benefits Department at View phone number on click.appcast.io. Benefits and CompensationWe offer a competitive compensation package, performance-based incentives, and a comprehensive benefits program—including health, dental, vision, 401(k) with company match, paid time off, and professional development opportunities.Core ValuesAt Clearbrook our Core Values are Integrity, Collaboration, Pursuit of Excellence and Forward Thinking. These values reflect who we are today and who we aspire to be - guiding how we work, how we lead and how we succeed.SummaryLocation: US NE - Omaha; US NY - New York City; US NY - Albany; US IL - ChicagoType: Full time